Blanket Loan Release Price Builder
Sets release prices on portfolio loans and proves the remaining collateral still holds
Install it in one line — paste a single command into Claude, ChatGPT or Cursor and it writes the skill into your project.
Free, and about thirty seconds: a work email and a six-digit code.
Downloading shares your name, firm, role, and email with The Helvetica Group. That introduction is what keeps every skill here free.
What this skill does
Structures the partial releases on a loan secured by several properties. Splits the loan across the properties, sets what the borrower must pay to release each one, and checks that the properties left behind still cover the loan — even if the borrower sells the best ones first.
What it does
- Splits the loan across properties by value, by income, or a blend — and says which it used
- Sets release prices as a premium over each property's share, with an optional share-of-sale-proceeds rule
- Re-tests loan-to-value, debt coverage and debt yield after every release, in the order that hurts the lender most
- Shows when the loan is fully repaid and which properties come free at the end
- Checks whether each release price is achievable from the property's expected sale
- Writes the release terms in plain language ready for a term sheet
When to use it
- Terming up a rental portfolio, scattered-site flip package or lot loan
- A borrower wants to sell or refinance one property out of a blanket loan
- Negotiating the release premium with a borrower or broker
- Reviewing a release schedule someone else proposed
What to have ready
- The list of properties with values and, for rentals, income
- The loan amount, rate and payment type
- Your leverage and coverage limits
- The release premium, if already agreed
How to use it
- Download it with the button above. You'll sign in with a work email — that's how the creator knows who is using their skill.
- Copy the install prompt from the "Run it in Claude" box, and paste it into Claude along with the file. Claude installs the skill, fills in your firm's details where the file has
[BRACKETED]placeholders, and runs a quick test with you. - Then just ask in plain English. Claude picks the skill up on its own when a request matches it. Anything it still needs, it asks you for — it won't invent a number.
"We're doing a [AMOUNT] blanket loan on [NUMBER] rentals in [CITY] — values and rents attached. Set release prices and show me the pool still works if they sell the best houses first."
What you get back
An allocation and release price table, a worst-case release stress test, the payoff point, recommended release terms for the term sheet, and a list of issues to resolve.
Good to know
- Output quality tracks input quality. A missing figure is flagged as missing — it is never estimated to fill a gap.
- Every draft is a starting point for your own review, not a finished decision.
- Runs anywhere Claude does: the Claude app, Claude Desktop, or Claude Code.
- Sample premiums are labelled as placeholders, and anything touching loan documents, recording or title is flagged for your counsel and title company.
Legal disclaimer
This skill drafts; it does not decide. Its output is not legal, tax, accounting, appraisal, or investment advice, and using it creates no attorney-client, fiduciary, or advisory relationship. Nothing it produces is a commitment to lend or an offer to sell a security. Verify every number, date, citation, and conclusion against the source documents, and have a qualified professional licensed in the relevant jurisdiction review the work before you rely on it or send it to a borrower, investor, counterparty, or regulator. Laws, rates, and market data change. The final work product is yours.
Inside this skill
The actual file you get. Members can read it in full before saving it.
Blanket Loan Release Price Builder
A blanket loan is one loan secured by many properties, and the borrower almost always wants to sell or refinance some of them before the loan is repaid. The release price is what they must pay down to get one property out. Set it too low and the borrower sells the best assets first, leaving the lender holding a weaker pool at the same leverage. Set it too high and the loan can't work for its intended business plan. This skill allocates the loan, sets release prices, and proves — in the worst release order, not the likely one — that the remaining collateral still meets the lender's tests.
Works for rental portfolios (DSCR or bridge), scattered-site fix-and-flip packages, builder lot or spec-home loans, condo inventory loans, and mixed small-balance commercial pools.
Step 1 — Intake
| Input | Required? | Notes |
|---|---|---|
| Property list | ✅ | Address or ID, value (and its source: appraisal, BPO, purchase price), and for income properties the NOI or rent |
| Loan amount | ✅ | Total commitment; for construction or rehab, say whether allocations are on the funded or committed amount |
| Rate and payment type | ✅ | Interest-only or amortizing — needed for DSCR after each release |
| Lender's tests | ✅ | Max LTV, min DSCR, min debt yield the pool must keep. If none, use the closing figures as the floor |
| Release premium | Helpful | e.g. 110%, 115%, 120%, 125% of allocated amount. If none, test a range (Step 3) |
| Business plan | Helpful | Hold and refinance, sell individual homes, sell lots to a builder, sell condo units |
| Expected sale prices and costs | Helpful | For a "greater of allocated premium or % of net proceeds" structure |
| Property states and counties | Helpful | Recording and release mechanics vary by state |
Minimum viable: property values, the loan amount, and the rate. Without income data, run the LTV tests only and say DSCR and debt yield were not tested.
Step 2 — Allocate the loan
Allocated loan amount (ALA) is each property's share of the loan. Choose the method, and say which one in the output:
| Method | Formula | Use when |
|---|---|---|
| By value | ALA = Loan × (property value ÷ total value) | Similar properties with similar yields; lots; condo units |
Reading the full skill counts as a download. The contributor receives your name, company, and email.
Ratings & reviews
No written reviews yet. If you run this on a live file, say how it went. The next lender reading this page is deciding whether to trust it.
Examination record
Run it in Claude
- Copy the install command above
- Paste it into Claude, ChatGPT or Cursor
- It writes the skill in, fills in your firm’s details, and test-runs it with you
Prefer the file? The prompt above is for a package you already downloaded.
Details
More from The Helvetica Group
They publish here under a verified work email. Their other skills, and how to reach them, are on their contributor page.